{"id":165683,"date":"2018-12-30T13:08:53","date_gmt":"2018-12-30T21:08:53","guid":{"rendered":"http:\/\/old.newsforchinese.com\/v3\/?p=165683"},"modified":"2018-12-30T13:08:53","modified_gmt":"2018-12-30T21:08:53","slug":"%e7%be%8e%e5%9c%8b%e7%af%80%e7%a8%8512%e6%8b%9b-2","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2018\/12\/30\/%e7%be%8e%e5%9c%8b%e7%af%80%e7%a8%8512%e6%8b%9b-2\/","title":{"rendered":"\u7f8e\u570b\u7bc0\u7a0512\u62db"},"content":{"rendered":"<p>\u5408\u6cd5\u7bc0\u7a05\u8207\u5077\u7a05\u6f0f\u7a05\u662f\u622a\u7136\u4e0d\u540c\u7684\u5169\u56de\u4e8b\u3002\u5340\u5225\u5728\u65bc\u524d\u8005\u5408\u6cd5\uff0c\u5f8c\u8005\u975e\u6cd5\u3002<!--more-->\u4e16\u8cbf\u901a\u79fb\u6c11\u96c6\u5718\u5021\u5c0e\u8d74\u7f8e\u6295\u8cc7\u6216\u5b9a\u5c45\uff0c\u8981\u4f9d\u6cd5\u7d0d\u7a05\uff0c\u53cd\u5c0d\u5077\u7a05\u6f0f\u7a05\uff0c\u4f46\u662f\u7f8e\u570b\u7684\u7a05\u52d9\u5236\u5ea6\u548c\u6587\u5316\u5bb9\u8a31\u5408\u6cd5\u7bc0\u7a05\u3002<\/p>\n<p>\u4ee5\u4e0b12\u7a2e\u5408\u6cd5\u7bc0\u7a05\u65b9\u6cd5\uff0c\u503c\u5f97\u5617\u8a66\uff0c\u8a73\u60c5\u53ef\u8aee\u8a62\u5c08\u696d\u7a05\u52d9\u5e2b\u3002<\/p>\n<p><strong>1. 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W-4\u901a\u5e38\u662f\u54e1\u5de5\u63d0\u4ea4\u7d66\u96c7\u4e3b\u7684\u8868\u683c\uff0c\u5b83\u6c7a\u5b9a\u8457\u54e1\u5de5\u6bcf\u500b\u6708\u5f9e\u85aa\u8cc7\u4e2d\u88ab\u9810\u6263\u7684\u7a05\u91d1\u3002\u5982\u679c\u4eca\u5e74\u5831\u7a05\u6642\u767c\u73fe\u8981\u7e73\u5f88\u591a\u7a05\uff0c\u9020\u6210\u8ca0\u64d4\uff0c\u90a3\u9ebc\u53ef\u4ee5\u8abf\u6574W-4\u8868\uff0c\u63d0\u9ad8\u6bcf\u500b\u6708\u9810\u6263\u7a05\u6b3e\u3002 2. \u591a\u653e\u9ede\u9322\u5728401\uff08k\uff09\u7684 \u61c9\u7a05\u6536\u5165\u8d8a\u5c11\uff0c\u8868\u793a\u8981\u7e73\u7684\u7a05\u8d8a\u5c11\u3002\u53c3\u52a0\u96c7\u4e3b\u8cc7\u52a9\u7684401\uff08k\uff09\u7684\u9000\u4f11\u91d1\u8a08\u5283\uff0c\u4e26\u5c07\u66f4\u591a\u7684\u5de5\u8cc7\u64a5\u5165\u9019\u500b\u5e33\u6236\uff0c\u662f\u964d\u4f4e\u61c9\u7a05\u6536\u5165\u6700\u5e38\u7528\u7684\u65b9\u5f0f\uff0c\u56e0\u70ba\u570b\u7a05\u5c40\uff08IRS\uff09\u4e0d\u6703\u5c0d\u7d0d\u7a05\u4eba\u8f49\u5165401\uff08k\uff09\u7684\u5e33\u6236\u7684\u6536\u5165\u5fb5\u7a05\u3002 3. \u5229\u7528\u500b\u4eba\u9000\u4f11\u5132\u84c4\u5e33\u6236\uff08IRA\uff09 \u7f8e\u570bIRA\u4e3b\u8981\u6709\u5169\u7a2e\uff1aRoth IRA\u548c\u50b3\u7d71IRA\u3002\u7d0d\u7a05\u4eba\u53ef\u4ee5\u5229\u7528\u50b3\u7d71IRA\u7684\u4f9b\u6b3e\uff0c\u6e1b\u5c11\u61c9\u652f\u4ed8\u7684\u6240\u5f97\u7a05\uff0c\u81f3\u65bc\u514d\u7a05\u984d\u5ea6\uff0c\u5247\u53d6\u6c7a\u65bc\u7d0d\u7a05\u4eba\u6216\u5176\u914d\u5076\u7684\u96c7\u4e3b\u662f\u5426\u5df2\u63d0\u4f9b\u9000\u4f11\u8a08\u5283\u3002 4. 529\u5927\u5b78\u5132\u84c4\u8a08\u5283 529\u5927\u5b78\u5132\u84c4\u8a08\u5283\u662f\u4e00\u7a2e\u201c\u591a\u6a23\u6295\u8cc7\u7d44\u5408\u201d\u5132\u84c4\u5e33\u6236\u8a08\u5283\uff0c\u4efb\u4f55\u5728\u6b64\u5e33\u6236\u5167\u6240\u7372\u53d6\u7684\u6536\u76ca\uff0c\u5747\u7121\u9808\u4ed8\u5dde\u6216\u806f\u90a6\u7a05\uff0c\u4f46\u6240\u5f97\u9808\u7528\u65bc\u6559\u80b2\u7528\u9014\u3002\u7d0d\u7a05\u4eba\u53c3\u52a0\u5dde\u6216\u6559\u80b2\u6a5f\u69cb\u7684529\u5927\u5b78\u5132\u84c4\u8a08\u5283\uff0c\u70ba\u5b50\u5973\u958b\u7acb529\u5e33\u6236\uff0c\u53ef\u4eab\u53d7\u5dde\u653f\u5e9c\u7684\u6e1b\u7a05\u597d\u8655\u3002 5. \u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236\uff08FSA\uff09 \u7d0d\u7a05\u4eba\u5982\u679c\u5bb6\u4e2d\u6709\u5c0f\u5b69\u6216\u9700\u8981\u7167\u9867\u7684\u89aa\u5c6c\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u5f48\u6027\u6d88\u8cbb\u5e33\u6236\uff0c\u5c07\u9322\u5b58\u5165FSA\uff0c\u5c08\u9580\u7528\u65bc\u7167\u9867\u5b69\u5b50\u6216\u5bb6\u4eba\uff0c\u9019\u7b46\u9322\u53ef\u4ee5\u514d\u7a05\u3002 6. \u5584\u7528\u96c7\u4e3b\u63d0\u4f9b\u7684\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA \u7d0d\u7a05\u4eba\u5982\u679c\u8981\u64ab\u990a13\u6b72\u4ee5\u4e0b\u7684\u5b50\u5973\uff0c\u53ef\u4ee5\u8003\u616e\u52a0\u5165\u96c7\u4e3b\u63d0\u4f9b\u7684\u201c\u7167\u8b77\u64ab\u990a\u5b50\u5973FSA\uff08Dependent Care FSA\uff09\u201d\uff0c\u5b83\u7684\u514d\u7a05\u984d\u5ea6\u662f5,000\u7f8e\u5143\u3002 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\u7d0d\u7a05\u4eba\u5982\u679c\u6bcf\u5e74\u85aa\u8cc7\u6536\u5165\u5c11\u65bc5.4\u842c\u7f8e\u5143\uff0c\u503c\u5f97\u8a66\u7b97\u662f\u5426\u7b26\u5408\u85aa\u8cc7\u6536\u5165\u62b5\u6e1b\u7684\u898f\u5b9a\u3002 \u9019\u9805\u62b5\u7a05\u662f\u6839\u64da\u7d0d\u7a05\u4eba\u7684\u6536\u5165\uff0c\u5a5a\u59fb\u72c0\u6cc1\u548c\u64ab\u990a\u5b50\u5973\u4eba\u6578\uff0c\u8a08\u7b97\u53ef\u4eab\u7684\u62b5\u7a05\u984d\u5ea6\u3002 9. \u6350\u8d08 \u5c0d\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7684\u6350\u8d08\u662f\u53ef\u4ee5\u6263\u9664\u7684\uff0c\u800c\u4e14\u6350\u8d08\u7269\u54c1\u4e5f\u53ef\u4ee5\u62b5\u7a05\u3002\u4f8b\u5982\uff0c\u6350\u8d08\u7684\u8863\u670d\uff0c\u98df\u7269\uff0c\u820a\u7684\u904b\u52d5\u5668\u6750\u6216\u5bb6\u5ead\u7528\u54c1\uff0c\u90fd\u53ef\u4ee5\u62b5\u7a05\u3002 \u6b64\u5916\uff0c\u70ba\u5408\u683c\u7684\u6148\u5584\u6a5f\u69cb\u7fa9\u52d9\u670d\u52d9\u64d4\u4efb\u7fa9\u5de5\u6642\uff0c\u81ea\u638f\u8170\u5305\u7684\u8cbb\u7528\uff0c\u6216\u8005\u81ea\u4f4f\u5bb6\u7b49\u5730\u9ede\u5230\u6148\u5584\u6a5f\u69cb\u7684\u5f80\u8fd4\u91cc\u7a0b\u6578\uff0c\u4e26\u7531\u6b64\u8a08\u7b97\u53ef\u4ee5\u62b5\u6263\u7684\u6c7d\u6cb9\u8cbb\u3002 10. \u4fdd\u5b58\u91ab\u7642\u8cbb\u7528\u6587\u4ef6 \u5982\u679c\u5728\u7d0d\u7a05\u5e74\u5ea6\uff0c\u7d0d\u7a05\u4eba\u66fe\u7d93\u4f4f\u9662\u6216\u767c\u751f\u6602\u8cb4\u7684\u91ab\u7642\u652f\u51fa\u6216\u7259\u79d1\u8cbb\uff0c\u8acb\u8a18\u5f97\u8981\u4fdd\u7559\u9019\u4e9b\u6536\u64da\u3002 \u4e00\u822c\u4f86\u8aaa\uff0c\u5982\u679c\u9019\u4e9b\u91ab\u7642\u652f\u51fa\u4f54AGI\u7684\u6bd4\u4f8b\uff0c\u8d85\u904e10\uff05\u6642\uff0c\u8d85\u51fa\u7684\u8cbb\u7528\u53ef\u4ee5\u62b5\u6263\u30022016\u5e74\uff0c\u5e74\u7d00\u5927\u65bc65\u6b72\u8005\uff0c10\uff05\u9580\u6abb\u964d\u4f4e\u70ba7.5\uff05\uff0c2017\u5e74\u6240\u6709\u4eba\u90fd\u9069\u752810\uff05\u9580\u6abb\u3002 11. \u8ce3\u6389\u90a3\u4e9b\u8667\u672c\u7684\u6295\u8cc7 \u60f3\u8981\u5408\u6cd5\u7bc0\u7a05\uff0c\u6709\u500b\u5f88\u5bb9\u6613\u505a\u5230\u7684\u65b9\u6cd5\uff0c\u5c31\u662f\u8ce3\u6389\u8667\u672c\u7684\u80a1\u7968\u6216\u5176\u5b83\u6295\u8cc7\uff0c\u56e0\u70ba\u640d\u5931\u7684\u90e8\u5206\u53ef\u4ee5\u6263\u9664\uff0c\u964d\u4f4e\u8cc7\u672c\u5229\u5f97\u7684\u7e3d\u984d\u3002\u9019\u9805\u6263\u9664\u984d\u7684\u4e0a\u9650\u662f3000\u7f8e\u5143\uff0c\u5df2\u5a5a\u5206\u958b\u5831\u7a05\u7684\u592b\u59bb\u662f1500\u7f8e\u5143\u3002 12. \u638c\u63e1\u6b63\u78ba\u7684\u6642\u9593 \u5f9e\u7a05\u52d9\u7684\u89d2\u5ea6\u4f86\u770b\uff0c12\u670831\u65e5\u548c\u9694\u5e741\u67081\u65e5\u7684\u884c\u52d5\uff0c\u9020\u6210\u7684\u6548\u679c\u53ef\u80fd\u6709\u5f88\u5927\u7684\u5dee\u7570\u3002\u5982\u679c\u7d0d\u7a05\u4eba\u77e5\u9053\u5e74\u5e95\u524d\u5373\u5c07\u5230\u4f86\u7684\u8cbb\u7528\u662f\u53ef\u4ee5\u62b5\u7a05\u7684\uff0c\u5c31\u8d95\u5feb\u884c\u52d5\uff0c\u4e0d\u8981\u62d6\u5230\u9694\u5e74\u624d\u505a\u3002 \u6587\/ read01.com\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2018\/12\/30\/%e7%be%8e%e5%9c%8b%e7%af%80%e7%a8%8512%e6%8b%9b-2\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/tax-deduction.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2018\/12\/tax-deduction.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"391\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2018-12-30T21:08:53+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2018-12-30T21:08:53+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u7f8e\u570b\u7bc0\u7a0512\u62db - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u5408\u6cd5\u7bc0\u7a05\u8207\u5077\u7a05\u6f0f\u7a05\u662f\u622a\u7136\u4e0d\u540c\u7684\u5169\u56de\u4e8b\u3002\u5340\u5225\u5728\u65bc\u524d\u8005\u5408\u6cd5\uff0c\u5f8c\u8005\u975e\u6cd5\u3002\u4e16\u8cbf\u901a\u79fb\u6c11\u96c6\u5718\u5021\u5c0e\u8d74\u7f8e\u6295\u8cc7\u6216\u5b9a\u5c45\uff0c\u8981\u4f9d\u6cd5\u7d0d\u7a05\uff0c\u53cd\u5c0d\u5077\u7a05\u6f0f\u7a05\uff0c\u4f46\u662f\u7f8e\u570b\u7684\u7a05\u52d9\u5236\u5ea6\u548c\u6587\u5316\u5bb9\u8a31\u5408\u6cd5\u7bc0\u7a05\u3002 \u4ee5\u4e0b12\u7a2e\u5408\u6cd5\u7bc0\u7a05\u65b9\u6cd5\uff0c\u503c\u5f97\u5617\u8a66\uff0c\u8a73\u60c5\u53ef\u8aee\u8a62\u5c08\u696d\u7a05\u52d9\u5e2b\u3002 1. \u8abf\u6574W-4 W-4\u901a\u5e38\u662f\u54e1\u5de5\u63d0\u4ea4\u7d66\u96c7\u4e3b\u7684\u8868\u683c\uff0c\u5b83\u6c7a\u5b9a\u8457\u54e1\u5de5\u6bcf\u500b\u6708\u5f9e\u85aa\u8cc7\u4e2d\u88ab\u9810\u6263\u7684\u7a05\u91d1\u3002\u5982\u679c\u4eca\u5e74\u5831\u7a05\u6642\u767c\u73fe\u8981\u7e73\u5f88\u591a\u7a05\uff0c\u9020\u6210\u8ca0\u64d4\uff0c\u90a3\u9ebc\u53ef\u4ee5\u8abf\u6574W-4\u8868\uff0c\u63d0\u9ad8\u6bcf\u500b\u6708\u9810\u6263\u7a05\u6b3e\u3002 2. \u591a\u653e\u9ede\u9322\u5728401\uff08k\uff09\u7684 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1.5x"},"classes":[]},{"id":16969,"url":"https:\/\/newsforchinese.com\/v3\/2011\/05\/25\/hsa\/","url_meta":{"origin":165683,"position":2},"title":"\u4ec0\u9ebc\u662f\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA)?","author":"Raymond","date":"May 25, 2011","format":false,"excerpt":"\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176 \u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings 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\u7f8e\u5143\uff08\u5df2\u5a5a\u592b\u5a66\u70ba 2,000 \u7f8e\u5143\uff09\u3002 \u6b64\u62b5\u514d\u53ef\u4ee5\u589e\u52a0\u7d0d\u7a05\u4eba\u7684\u9000\u7a05\u6216\u6e1b\u5c11\u6b20\u7a05\uff0c\u4f46\u6703\u53d7\u5230\u5176\u4ed6\u6263\u9664\u984d\u548c\u62b5\u514d\u984d\u7684\u5f71\u97ff\u3002 \u9000\u4f11\u8a08\u5283\u6216 ABLE \u5e33\u6236\u7684\u5206\u914d\u6e1b\u5c11\u4e86\u7528\u65bc\u8a08\u7b97\u62b5\u514d\u7684\u4f9b\u6b3e\u91d1\u984d\u3002 \u4f9b\u6b3e\u622a\u6b62\u65e5\u671f\u64c1\u6709IRA\u7684\u500b\u4eba\u5fc5\u9808\u5728 2024 \u5e74 4 \u6708 15 \u65e5\u4e4b\u524d\uff08\u63d0\u4ea4 2023 \u5e74\u7a05\u8868\u7684\u622a\u6b62\u65e5\u671f\uff09\u8a2d\u7acb\u4e00\u500b\u65b0\u7684 IRA \u6216\u70ba\u73fe\u6709\u7684 IRA \u589e\u52a02023\u5e74\u7684\u8cc7\u91d1\u3002 \u7f85\u65af\u548c\u50b3\u7d71IRA\u90fd\u7b26\u5408\u689d\u4ef6\u3002\u64c1\u6709\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u7684\u500b\u4eba\u4ecd\u6709\u6642\u9593\u7e73\u7d0d\u5408\u683c\u7684\u9000\u4f11\u4f9b\u6b3e\uff0c\u4e26\u5728\u51762023 \u5e74\u7684\u7a05\u8868\u4e0a\u7372\u5f97\u5132\u84c4\u62b5\u514d\u512a\u60e0\u3002 \u5230\u4ee5\u4e0b\u5404\u9805\u7684\u5de5\u4f5c\u5834\u6240\u9000\u4f11\u8a08\u756b\u9078\u64c7\u6027\u905e\u5ef6\uff08\u4f9b\u6b3e\uff09\u5fc5\u9808\u572812\u670831\u65e5\u524d\u5b8c\u6210\uff1a 401(k) \u8a08\u5283\u3002 \u516c\u7acb\u5b78\u6821\u548c\u67d0\u4e9b\u514d\u7a05\u6a5f\u69cb\u7684\u50f1\u54e1\u7684403(b) \u8a08\u5283\u3002 \u5dde\u6216\u5730\u65b9\u653f\u5e9c\u50f1\u54e1\u7684\u653f\u5e9c457 \u8a08\u5283\u3002 \u806f\u90a6\u50f1\u54e1\u7684\u7bc0\u5109\u5132\u84c4\u8a08\u5283\uff08TSP\uff09\u3002\u8acb\u53c3\u95b1\u300a\u8868\u683c8880\uff0c\u5408\u683c\u9000\u4f11\u5132\u84c4\u4f9b\u6b3e\u62b5\u514d\u512a\u60e0\u300b 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&quot;\u5730\u65b9\u65b0\u805e&quot;","block_context":{"text":"\u5730\u65b9\u65b0\u805e","link":"https:\/\/newsforchinese.com\/v3\/category\/local\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/newsforchinese.com\/v3\/wp-content\/uploads\/2023\/06\/IRS-sends-balance-due-notices-to-many-CA-residents-causing-confusion.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":840,"url":"https:\/\/newsforchinese.com\/v3\/2010\/08\/06\/%e5%a4%a7%e9%83%bd%e6%9c%83%e7%82%ba%e8%a6%8f%e5%8a%83%e9%80%80%e4%bc%91%e7%94%9f%e6%b4%bb%e6%8f%90%e5%87%ba%e5%bb%ba%e8%ad%b0\/","url_meta":{"origin":165683,"position":5},"title":"\u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u63d0\u51fa\u5efa\u8b70","author":"Raymond","date":"August 6, 2010","format":false,"excerpt":"04-06-2010 \u5927\u90fd\u6703\u70ba\u898f\u5283\u9000\u4f11\u751f\u6d3b\u53ca\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u4f9b\u5efa\u8b70 -\u9069\u7576\u7684\u898f\u5283\u6709\u52a9\u65bc\u5efa\u7acb\u60a8\u7684\u8ca1\u52d9\u81ea\u7531 - 2009\u5e74\u7684\u5831\u7a05\u5b63\u7bc0\u5373\u5c07\u5230\u671f\uff0c\u8a31\u591a\u6d88\u8cbb\u8005\u90fd\u6025\u8457\u5728\u56db\u6708\u5341\u4e94\u65e5\u622a\u6b62\u65e5\u524d\u5b8c\u6210\u5831\u7a05\u7684\u5de5\u4f5c\u3002\u5c31\u5728\u6d88\u8cbb\u8005\u914d\u5408\u5c08\u696d\u5831\u7a05\u4eba\u54e1\u5171\u540c\u5b8c\u6210\u5831\u7a05\u5de5\u4f5c\u7684\u540c\u6642\uff0c\u5728\u63d0\u4f9b\u4fdd\u96aa\u53ca\u7406\u8ca1\u670d\u52d9\u65b9\u9762\u9818\u5148\u5168\u570b\u7684\u5927\u90fd\u6703\u4eba\u58fd\u9858\u85c9\u6b64\u6a5f\u6703\u9f13\u52f5\u6d88\u8cbb\u8005\u5c0d\u8a72\u516c\u53f8\u900f\u904e\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Individual Retirement Account\uff0cIRA\uff09\u63d0\u4f9b\u7684\u9000\u4f11\u5132\u84c4\u53ca\u7bc0\u7a05\u6548\u76ca\u8a73\u52a0\u8003\u616e\u3002 \u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08IRA\uff09\u662f\u5927\u90fd\u6703\u63d0\u4f9b\u7d66\u5ba2\u6236\u7684\u773e\u591a\u9078\u64c7\u4e4b\u4e00\uff0c\u53ef\u4ee5\u5354\u52a9\u5ba2\u6236\u898f\u5283\u9000\u4f11\u751f\u6d3b\u4e26\u5efa\u7acb\u500b\u4eba\u5b89\u5168\u7db2\u3002\u4ee5\u4e0b\u662f\u63d0\u4f9b\u7d66\u6d88\u8cbb\u8005\u53c3\u8003\u7684\u5404\u7a2e\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6458\u8981\u8aaa\u660e\uff1a \u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Traditonal IRA\uff09\u63d0\u4f9b\u7bc0\u7a05\u6548\u76ca\u8207\u6295\u8cc7\u798f\u5229\u7684\u5f48\u6027\u3002\u4fdd\u55ae\u6301\u6709\u4eba\u53ef\u4ee5\u6839\u64da\u672c\u8eab\u7684\u7406\u8ca1\u76ee\u6a19\u3001\u6642\u9593\u9650\u5236\u53ca\u5c0d\u98a8\u96aa\u7684\u627f\u53d7\u80fd\u529b\u4f86\u5728\u773e\u591a\u6295\u8cc7\u9078\u9805\u4e2d\u6c7a\u5b9a\u8cc7\u7522\u5206\u914d\u6bd4\u91cd\u3002\u6295\u8cc7\u7684\u6536\u76ca\u53ef\u4ee5\u7de9\u7a05\uff0c\u6301\u6709\u4eba\u76f4\u5230\u63d0\u9818\u8cc7\u91d1\u6642\u624d\u5fc5\u9808\u7d0d\u7a05\u3002\u8a31\u591a\u4eba\u5b58\u5165\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u9084\u53ef\u4ee5\u62b5\u7a05\u3002\u62b5\u7a05\u8207\u5426\u53d6\u6c7a\u65bc\u6301\u6709\u4eba\u6216\u5176\u914d\u5076\u662f\u5426\u70ba\u7531\u516c\u53f8\u8d0a\u52a9\u4e4b\u9000\u4f11\u8a08\u5283\u7684\u7a4d\u6975\u53c3\u8207\u8005\uff0c\u53ca\u5176\u8a72\u5e74\u5ea6\u7d93\u8abf\u6574\u4e4b\u6bdb\u6536\u5165\uff08Modified Adjusted Gross Income\uff09\u548c\u5831\u7a05\u8cc7\u683c\u800c\u5b9a\u3002\u5f9e\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u63d0\u9818\u61c9\u7d0d\u7a05\u4e4b\u91d1\u984d\u9808\u4f9d\u7167\u4e00\u822c\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u5982\u679c\u5728\u5e74\u6eff59\u6b72\u534a\u4e4b\u524d\u63d0\u9818\uff0c\u9084\u53ef\u80fd\u9700\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u3002 Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Roth IRA\uff09\u5c31\u548c\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e00\u6a23\uff0c\u63d0\u4f9b\u60a8\u53ef\u4ee5\u7de9\u7a05\u7684\u8cc7\u91d1\u7d2f\u7a4d\u3002\u4f46\u662f\u8207\u50b3\u7d71\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e0d\u540c\u7684\u662f\uff0cRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u6301\u6709\u4eba\u5728\u958b\u6236\u5f8c\u6eff\u4e94\u5e74\uff0c\u4e26\u7b26\u5408\u4e00\u7a2e\u5176\u4ed6\u689d\u4ef6\u898f\u5b9a\uff08\u4f8b\u5982\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\uff09\u6642\uff0c\u5c31\u53ef\u4ee5\u4eab\u6709\u5728\u7b26\u5408\u689d\u4ef6\u4e0b\u6536\u76ca\u514d\u7a05\u7684\u5f85\u9047\u3002\u4f46\u662f\u5b58\u5165Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u91d1\u4e0d\u80fd\u62b5\u7a05\uff0c\u800c\u4e14\u7d93\u8abf\u6574\u7684\u6bdb\u6536\u5165\u5fc5\u9808\u5728\u4e00\u5b9a\u6a19\u6e96\u4ee5\u4e0b\u624d\u80fd\u7b26\u5408\u958b\u7acbRoth \u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u8cc7\u683c\u3002\u5728\u5e74\u6eff\u4e94\u5341\u4e5d\u6b72\u534a\u4e4b\u524d\u5f9eRoth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u63d0\u6b3e\uff0c\u901a\u5e38\u5fc5\u9808\u4f9d\u7167\u4e00\u822c\u500b\u4eba\u6240\u5f97\u7a05\u7d0d\u7a05\uff0c\u4e5f\u53ef\u80fd\u5fc5\u9808\u8ca0\u64d4\u984d\u5916\u7684\u767e\u5206\u4e4b\u5341\u7f70\u91d1\u30022010\u5e74\u67d0\u4e9b\u7279\u5225\u7d0d\u7a05\u689d\u6b3e\u53ef\u80fd\u4ee4Roth\u500b\u4eba\u9000\u4f11\u5e33\u6236\u5c0d\u67d0\u4e9b\u5b58\u6236\u66f4\u5177\u5438\u5f15\u529b\u3002 \u914d\u5076\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Spousal IRA\uff09\u5141\u8a31\u7121\u6536\u5165\u6216\u6536\u5165\u975e\u5e38\u6709\u9650\u7684\u914d\u5076\u64c1\u6709\u500b\u4eba\u9000\u4f11\u5e33\u6236\u3002\u914d\u5076\u9000\u4f11\u5e33\u6236\u5141\u8a31\u592b\u59bb\u5171\u540c\u958b\u8a2d\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236 \u2013 \u4e00\u4eba\u4e00\u500b \u2013 \u800c\u6bcf\u4e00\u500b\u90fd\u4ee5\u500b\u4eba\u55ae\u7368\u4e0a\u9650\u70ba\u6e96\u3002\u4f46\u662f\u592b\u59bb\u7684\u5171\u540c\u6536\u5165\u6700\u5c11\u5fc5\u9808\u8207\u5b58\u5165\u5169\u500b\u500b\u4eba\u9000\u4f11\u5e33\u6236\u7684\u7e3d\u91d1\u984d\u76f8\u540c\uff0c\u540c\u6642\u592b\u59bb\u5728\u5b58\u5165\u91d1\u984d\u7684\u7576\u5e74\u5fc5\u9808\u4ee5\u5171\u540c\u540d\u7fa9\u5831\u7a05\u3002 \u8f49\u79fb\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Rollover IRA\uff09\u5141\u8a31\u4fdd\u55ae\u6301\u6709\u4eba\u5728\u8f49\u63db\u5de5\u4f5c\u6216\u9000\u4f11\u6642\u5c07\u96c7\u4e3b\u63d0\u4f9b\u7684\u9000\u4f11\u8a08\u5283\u8f49\u79fb\u5230\u500b\u4eba\u9000\u4f11\u5e33\u6236\u4e2d\u3002\u9019\u6a23\u505a\u4ee4\u4fdd\u55ae\u6301\u6709\u4eba\u5f97\u4ee5\u7e7c\u7e8c\u4eab\u53d7\u9000\u4f11\u8cc7\u91d1\u7de9\u7a05\u7684\u597d\u8655\uff0c\u76f4\u5230\u5fc5\u9808\u63d0\u9818\u6642\u70ba\u6b62\u3002\u91cd\u8981\u7684\u662f\u5728\u8f49\u79fb\u8cc7\u91d1\u6642\uff0c\u52d9\u5fc5\u9075\u7167\u8f49\u79fb\u8cc7\u91d1\u7684\u6709\u95dc\u898f\u5b9a\u624d\u80fd\u4fdd\u969c\u7de9\u7a05\u548c\u5176\u4ed6\u597d\u8655\u3002 \u5ef6\u4f38\u5f0f\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff08Stretch IRA\uff09\u662f\u5728\u6301\u6709\u4eba\u4e0d\u518d\u9700\u8981\u8cc7\u91d1\u4f86\u6eff\u8db3\u9000\u4f11\u751f\u6d3b\u7684\u9700\u6c42\u6642\uff0c\u5c07\u66f4\u591a\u7684\u500b\u4eba\u9000\u4f11\u5e33\u6236\u8cc7\u91d1\u8f49\u8b93\u7d66\u5fc3\u611b\u7684\u4eba\u7684\u65b9\u6cd5\u3002\u5982\u679c\u5e33\u6236\u6301\u6709\u4eba\u7d42\u5176\u4e00\u751f\u53ea\u63d0\u9818\u898f\u5b9a\u7684\u6700\u4f4e\u6536\u76ca\uff0c\u8a72\u5e33\u6236\u4e4b\u6536\u76ca\u5c31\u6709\u53ef\u80fd\u5728\u6301\u6709\u4eba\u81e8\u7d42\u6642\u6210\u9577\u5230\u5176\u4e00\u751f\u4e2d\u7684\u6700\u9ad8\u9ede\uff0c\u56e0\u6b64\u6709\u6a5f\u6703\u7559\u7d66\u53d7\u76ca\u4eba\u4e00\u7b46\u7de9\u7a05\u7684\u907a\u7522\u3002 \u6559\u80b2\u9000\u4f11\u5e33\u6236\uff08Education IRA\uff09\u6216\u7a31 Coverdell\u6559\u80b2\u5132\u84c4\u5e33\u6236\uff08Coverdell Education Savings 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